eCheck is an electronic payment supported by PayPal that is funded by the buyer’s bank account. With an eCheck, the recipient should receive the money within 3-6 business days.
Both eChecks and Instant Transfers are ways to pay with your bank account via PayPal. With an Instant Transfer, the recipient receives the money right away. You only need to have a valid U.S. bank account to send an eCheck, but an Instant Transfer also requires a backup funding source such as a credit or debit card registered on your PayPal account.
Before you make a payment, make sure you have enough money in your bank account to cover the eCheck. If there’s not enough money in your bank account, the bank will decline the payment and PayPal will represent it a second time.
You cannot send an eCheck if the Instant Transfer option is available. A PayPal balance cannot partially fund eChecks, so the full amount will always be requested from your bank.
If you’d like to cancel an eCheck after it’s issued, please call your bank. If you’d like to cancel an eCheck that has already cleared, please contact the seller directly to request a refund.